Of course, you should have a local attorney look it over to make sure it's in compliance with the laws in your state/municipality. 

If you are talking about a real estate investment business in hopes of getting some kind of "business credit lines", that likely will not happen no matter what you do.

The applicant turned out to have a record and really bad credit as well as zero references....

within the next 3 - 6 months duplex /triplex in or around my area although  the funds are week due to a high DTIalthough i have a 740 credit score, some larger purchases/ home improvements ,solar /roof /windows  have led me down the borrow pay later mentality..

But, depending on loan to value and credit should be able to do much better then 10.24%.And the 10 number you mention is only for conventional loans.

Our credit is excellent; we could pay it all in cash by shifting finances around. 

Likely the game you are envisioning will be a combination of game plan from existing games.Take a look at a board game called Suburbia: https://boardgamegeek.com/boardgame/123260/suburbi...There are several open source Sim City 'engines' available: https://github.com/SimHacker/micropolishttp://www.opencity.info/http://osgameclones.com/And of course Google is your friend:http://lmgtfy.com/?

Please reach out to your loan officer for additional questions: [names and phone numbers]Thank you for your prompt attention.Commercial Credit Administration[bank name and main phone number]---------------Wut thu hay??!

But you can pay $5,000 on some training course to make it sound like money falls from trees when trying to be a wholesaler or implement your idea.

Know things are getting more and more tenant friendly and you will not be able to get that tenant with a 700 plus credit score you don't have to worry about like in an A or B grade asset.